Statute barred loan

delsus

Hello everyone, I'm looking for an expert opinion on an old payday loan I  had from MyJar.

On the 15th August I recieved an email from MyJar about an old loan I took out with them, (which I defaulted on many years ago, they went into administration in 2020) and a followup email from the debt collector on the 25th August confirming this. The email I recieved said the debt had been assigned to a debt collector, however looking further into the loan using clear score it was removed from my credit report on June of this year (so 2 months before I got told the debt had been sold) I haven't made any payments on this loan in many years (I can't remember when I last made a payment) because I hadn't recieved any contact in years. and the debt collector is now agressively chasing me for it with daily phone calls (as far as searches on the number calling say) and 2 emails a month regarding it, but I don't want to contact them until I get advice.

My question is would it be enough evidence that the debt would now be statute barred because it was removed from my credit report before it got sold and with a balance on? If so is it apropriate of them to be chasing me for the debt or can I contact them saying the loan is statute barred and I have no intention to pay (as it can't go to court) or would it be best to just pay them?

Thanks for any advice you can give me.

sourcrates

How long is "many years"?

For statute barred to be applicable, you must not have either, made a payment, or acknowledged the debt in writing, within the last 6 years, or from the date of default, whichever is the sooner.

You need to be 100% sure of your dates here.

A "provit letter" may be a more appropriate first response, it asks for information on the debt without formally acknowledging it.

delsus

It's longer than I can remember, short of going through years worth of bank statements, I'll look up that letter when I can to get more information, and I'm certain I've not contacted them regarding it ever.